Dental Care insurance covers the cost of eligible dental expenses for the employee and their dependents. While dental coverage is optional for each company, keep in mind that maintaining healthy teeth and gums is essential, with more and more research showing that problems with dental health can affect the overall state of one’s health. If you do offer dental coverage, it must remain in force for at least two consecutive years and all insured employees must participate.
Employees and their families are covered for both preventative and restorative dental.
Preventive Dental:
Minor extractions
Periodontics are covered for two hours of work each year
Pit and fissure sealants for individuals ages 19 and under
Space maintainers for children ages 12 and under
X-rays, fillings, standard checkups, and cleanings are covered once every nine months
Restorative Dental:
Anaesthesia
Crowns
Bridgework
Dentures
Drug injections
Laboratory procedures
Major surgery
Onlays
Repair and adjustment to dentures
Root canals
Surgical services
In the event of death, the Dental Care coverage continues for up to 24 months for eligible dependents without payment of premium.
If the employee’s spouse or common law partner already has dental coverage under an Employee Benefits Plan, these payable benefits will be co-ordinated with their spouse or common law partner’s plan. This means that the total amount received from both of the plans will not exceed 100% of the cost of the eligible expenses incurred.
In offering Dental Care insurance to your employees, you’re giving your company a competitive advantage, making a real difference in attracting and retaining quality talent.
Other benefits for your company include:
Providing a flexible and affordable way to add real value to your total compensation package
Boosting morale and increasing productivity
Reducing turnover and promoting a healthy work environment
Additionally, your advisor will help you select the best options and packages for your company and your employees. This ensures that the policy meets yours and your employees’ needs and that you are receiving the best possible coverage, service, and pricing.
